Whether you need surveillance on an injury claim, an investigation on cause and origin or a comprehensive response to a workmen's compensation incident, motor accident or theft or potential fraud under a personal accident, life, medical or travel policy, Crawford & Company has a team to provide a cost effective investigation service.

This is achieved by utilising highly skilled staff and external expertise, a structured enquiry process and technology that is directed at the early resolution of claims. We have developed Crawford Search, a bespoke Domino database application that helps to track and monitor repeat claims.

At Crawford & Company, we have the resources and capability to respond effectively. We presently employ adjusters/investigators with a combined experience of over 20 years in investigating white-collar crimes while with the Singapore Police Force. Unlike most private investigators, they all have a thorough understanding of insurance policy contracts, contract law and torts. This background gives our team a distinct advantage during investigations as they are experienced in validating claims and distinguishing the potentially fraudulent claim at the earliest possible stage.

Even if fraud is not present, proper questions during the interview process can often reveal evidence of misrepresentation or non-disclosure of material facts. Fraud can also be present in workmen's compensation and personal accident claims as injuries to workmen and policyholders could be self-inflicted or feigned. Besides, with ever increasing quantum awarded for general damages, it is important that no stone is left unturned during investigation of claims involving injuries or death under all classes of insurance.

Structured investigation

We have developed an evidence gathering process that is consistent and thorough. It ensures effective risk evaluation, accurate validation and enables genuine claims to be quickly identified.

This three-step process operates as follows:-

• Initial screening and validation
• Detailed review and risk evaluation
• Investigation of quantum

Consistent approach

For straightforward claims, we realise customer service is paramount. We have created a process that identifies the genuine and straightforward claims and allows us to fast track these with a customer driven approach. This leaves us to concentrate on distinguishing fraud and gathering the evidence you will need.

Managed solutions

We believe that team working is vital to ensure the service adds value. We manage a range of resources so that the right skills can be applied to each case. For example, we are able to investigate motor theft, total losses and 'staged accidents'.

On complex investigations where evidence gathering is vital, we have access to the latest technology, forensic teams and document analysis tools. We also work with information providers in our investigation process.

For further information, please contact : Stephen Chan
E-mail : stephen.chan@crawford.com.sg